---
id: faq-0019
title: "Can I get approved for financing if I have bad credit?"
category: faq
subtopic: financing
page_type: faq
source_url: "https://www.castlesubarumchenry.com"
tags: ["financing", "credit", "approval"]
questions:
  - "Will you finance someone with poor credit?"
  - "What if my credit score is low?"
  - "Can I get a loan with bad credit?"
related: [financing-options, apr]
dealer: Castle Subaru McHenry
---

Yes! Castle Subaru McHenry works with multiple lenders, including those who specialize in less-than-perfect credit. Even if your credit score is lower, you may still qualify for financing-though your APR may be higher to reflect the added lender risk.

**What helps your approval odds:**
- Proof of steady income and employment
- A trade-in vehicle (reduces loan amount)
- A co-signer with stronger credit
- A larger down payment
- Recent credit improvements (paying bills on time)

**No guarantees, but options exist.** Our Finance team reviews your whole financial picture, not just your score. They'll explore lender programs that match your situation.

**Start the conversation:** Call **(779) 601-0797** and speak with our Finance Department. Bring details about your income and employment. We'll work to find you an approval and a rate you can afford. Everyone deserves a second chance-let's find your next Subaru!